11 banks and credit unions have branches in Richmond. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Richmond counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Richmond
5 institutions with a branch here
$15
California
119 institutions headquartered in California
$7
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose Richmond median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Richmond with California and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $35.
Median published overdraft fee
Richmond
5 institutions with a branch here
$34
California
123 institutions headquartered in California
$25
U.S.
2,601 institutions in the index
$30
Richmond covers every institution with a branch here, wherever it is headquartered. California covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
11 institutions, 5 with a published overdraft fee.
Bank · based in Walnut Creek, CA · 2 branches here
Account not yet known
“We will charge an Overdraft or Returned Item fee of $35 for any presented item greater than $10 that overdraws your account by more than $10 after posting all transactions at the e”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Los Angeles, CA · 1 branch here
Bank · based in Sioux Falls, SD · 1 branch here
Credit union, membership rules apply · based in Martinez, CA · 1 branch here
Credit union, membership rules apply · based in Richmond, CA · 1 branch here
Credit union, membership rules apply · based in Concord, CA · 1 branch here
Account not yet known
“Courtesy Pay Fee $25.00 A standard Courtesy Pay Fee of $25 will be applied to your account for each item covered under your”
Credit union, membership rules apply · based in Richmond, CA · 1 branch here
Largest banks by local bank deposits
Share of the $2.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Contra Costa County
Deposits and branches cover the City of Richmond. Population and income cover Contra Costa County, the county with most of Richmond's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Contra Costa County.
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